The 7 Best Wells Fargo Credit Cards for Travel Rewards, Cash Rewards, and More [2024]

Wells Fargo is sometimes overlooked in favor of more popular credit card issuers like American Express and Chase, but the San Francisco-based bank offers some great credit card options to consider when deciding what card to add to your wallet.

With a nice lineup of cards that can suit a variety of different needs, Wells Fargo cards include travel rewards cards, cash rewards cards, hotel cards, no-annual-fee cards, business cards, and more.

Let’s take a look at our selections for the best Wells Fargo credit card.

Hide SummaryShow Summary

• Wells Fargo Autograph Journey℠ Card — Best Card for Travel Rewards and Hotel Stays
• Wells Fargo Autograph℠ Card — Best Card for Earning Points With No Annual Fee
• Bilt World Elite Mastercard^® Credit Card — Best Card for Renters
• Wells Fargo Active Cash^® Card — Best Card for Cash Rewards
• Wells Fargo Reflect^® Card — Best for 0% APR and Balance Transfers
• Signify Business Cash℠ Card by Wells Fargo — Best Business Card
• Choice Privileges^® Select Mastercard^® — Best Card for Choice Loyalists

Before we examine each card, its perks, and who it is best for, here is a high-level overview of the best Wells Fargo credit cards and what they offer.

How To Choose a Wells Fargo Credit Card

When choosing a Wells Fargo credit card, ask yourself a few questions to help determine which card is best for you.

Which Types of Rewards Do You Want To Earn?

The card you select should offer the type of rewards you prefer to earn. Wells Fargo provides cards that earn cash rewards, travel rewards, and flexible rewards that feature both redemption options.

What Card Perks Are You Looking For?

If you need your new card to include perks like trip delay insurance, rental car insurance, purchase protection, or cell phone insurance, you should be mindful of those as you search for your new card.

Do the Bonus Categories Match Your Spend?

Take a look at your monthly spending habits and see which items you spend the most on, such as dining, supermarkets, or gas. Look for a card that offers bonus categories for those items so that you can earn even more rewards for every dollar you spend.

The 7 Best Wells Fargo Credit Cards

Wells Fargo Autograph Journey Card (Best for Travel Rewards and Hotel Stays)

Wells Fargo Autograph Journey℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A powerful point earning card with access to transfer partners.

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

Welcome Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

60,000 points

UP's Bonus Valuation*:

$900

Annual Fee

$95

APR

20.49%, 25.49%, or 29.49% Variable APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees (rates & fees).

Pros & Cons

Pros

• Earn 5x points on hotels
• Earn 4x points on airfare
• Earn 3x points on other travel and restaurants; 1x on other purchases

Cons

• $95 annual fee
• List of transfer partners is smaller than competing programs

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 Annual Fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 20.49%, 25.49%, or 29.49% Variable APR
• Foreign Transaction Fees: None

The Wells Fargo Autograph Journey card is its flagship travel rewards card. It’s great for earning points on travel purchases.

With it, you’ll earn 5x points on hotels, 4x points on airfare, and 3x points on restaurants and other travel purchases. While many competitor cards require you to book through their own travel portal to earn bonus rewards on travel purchases, the Wells Fargo Autograph Journey card doesn’t. You can book directly to take advantage of airline or hotel brand loyalty benefits and still earn 4x to 5x bonus points for these purchases.

Beyond that, Wells Fargo Autograph Journey card benefits include lost luggage reimbursement coverage, auto rental collision damage waiver, and cell phone protection. The card doesn’t have foreign transaction fees (rates & fees), and you also get a $50 annual statement credit with a $50 minimum airline purchase.

Plus, you can redeem your Wells Fargo Rewards in various ways, such as with Wells Fargo transfer partners, through the Wells Fargo Rewards travel portal, for cash rewards, or for gift cards.

Wells Fargo Autograph Card (Best for Earning Points With No Annual Fee)

Wells Fargo Autograph℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 points

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases, 19.49%, 24.49%, or 29.49% variable APR thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

• 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points per $1 spent on other purchases
• No annual fee

Cons

• Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 19.49%, 24.49%, or 29.49% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases, 19.49%, 24.49%, or 29.49% variable APR thereafter
• Foreign Transaction Fees: None

If you’re looking for a card that can help you rack up as many points as possible on a wide variety of purchases, then you’ll love the Wells Fargo Autograph card.

The card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, all with $0 annual fee. Earning 3x rewards on everything from gas station fill-ups to your Netflix subscription and phone plan, dining out, and vacations will help you rack up points much faster than other card options.

Your card will also come with perks such as cell phone insurance, auto rental collision damage waiver, no foreign transaction fees (rates & fees), and flexible redemption options, including access to the Wells Fargo transfer partners. Altogether, you’ve got a great all-in-one, $0-annual-fee card that helps you rack up points across 6 bonus categories.

Hot Tip:

Learn more about these cards in a side-by-side comparison of the Wells Fargo Autograph card vs. Wells Fargo Autograph Journey card.

Bilt Card (Best for Renters)

Terms Apply / Rates & Fees

Bilt World Elite Mastercard^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at Bilt's secure site)

Bilt World Elite Mastercard^® Credit Card

Welcome Offer

No offer available

No offer available

Annual Fee

$0

APR

See Rate & Fees

Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard^® Credit Card, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt Card has to offer to help you decide whether the card makes sense for you.

Pros & Cons

Pros

• 3x points per $1 at restaurants
• 2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

Read Full Review

Card Highlights

• $0 Annual Fee
• Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
• Earns 3x points on dining
• Earn 2x points on travel
• Earn 1x points on other purchases
• Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
• Use the card 5 times each statement period to earn points
• Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
• Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
• Select “Learn More” to learn more about the product features, terms, and conditions

Financial Snapshot

• APR: See Rate & Fees
• Foreign Transaction Fees: $0

Paying rent with a credit card generally requires a transaction fee, often around 2.9% of the payment — if your landlord even allows credit card payments.

Not so with the Bilt Card. You can pay rent without transaction fees and earn 1x points on up to $100,000 in rent payments every calendar year after you make at least 5 transactions in a statement period using your Bilt Card (See Rewards & Benefits). Plus, you’ll also earn 3x points on dining and 2x points on travel purchases. On rent day (the first of each month), these bonus categories are doubled to 6x points on dining, 4x points on travel, and 2x points on other purchases (excluding rent payments).

Additionally, the card has no foreign transaction fees and a $0 annual fee (rates & fees). You can redeem your Bilt Rewards points through an impressive collection of Bilt transfer partners, the Bilt travel portal, fitness classes, art pieces in The Bilt Collection, and more.

Wells Fargo Active Cash Card (Best Card for Cash Rewards)

Wells Fargo Active Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.

Wells Fargo Active Cash^® Card

The Wells Fargo Active Cash card earns 2% cash rewards on purchases with no annual fee.

Welcome Offer

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

$200 cash rewards bonus

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Pros & Cons

Pros

• Earn unlimited 2% cash rewards on purchases
• No annual fee
• 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter (rates & fees)

Cons

• No bonus categories for those who want to optimize certain purchases

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
• Earn unlimited 2% cash rewards on purchases.
• 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
• $0 annual fee.
• No categories to track or remember and cash rewards don’t expire as long as your account remains open.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.49%, 24.49%, or 29.49% Variable APR thereafter.
• Foreign Transaction Fees: 3% of each transaction converted to U.S. dollars.

If you prefer cash rewards to travel rewards and you want a card with a simple earning structure that doesn’t require you to keep track of bonus categories, then the Wells Fargo Active Cash card might be the best fit for you.

It earns an uncapped 2% cash rewards on all purchases with a $0 annual fee. It also features perks like cell phone protection, auto rental collision damage waiver, and a 0% intro APR offer.

Wells Fargo Reflect Card (Best for 0% Intro APR and Balance Transfers)

Wells Fargo Reflect^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wells Fargo Reflect Card offers a long intro APR period without an annual fee.

Wells Fargo Reflect^® Card

The Wells Fargo Reflect Card offers a long intro APR period without an annual fee.

Welcome Offer

No offer available

Annual Fee

$0

APR

0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 29.24% Variable APR thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Reflect^® Card is a great option for those looking for a long intro APR window on purchases and qualifying balance transfers without an annual fee.

Pros & Cons

Pros

• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a variable APR of 17.49%, 23.99% or 29.24%
• $0 annual fee
• Cell phone protection

Cons

• Does not earn rewards

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 29.24% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
• $0 annual fee.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.

Financial Snapshot

• APR: 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 17.49%, 23.99% or 29.24% Variable APR thereafter.
• Foreign Transaction Fees: 3% of each purchase transaction after conversion into U.S. dollars.

It doesn’t get much better than the Wells Fargo Reflect card if you’re looking for a long 0% APR offer on new purchases and/or balance transfers. With it, you’ll receive a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, along with $0 annual fee.

This 21-month 0% APR offer gives you a long window to finance a large purchase or pay down existing debt without worrying about accruing interest in the meantime.

Signify Business Cash Card (Best Business Card)

Signify Business Cash℠ Card by Wells Fargo

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Signify Business Cash card is a great option for those looking to earn 2% back on business purchases with no annual fee.

Signify Business Cash℠ Card by Wells Fargo

The Signify Business Cash card is a great option for those looking to earn 2% back on business purchases with no annual fee.

Welcome Offer

Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.

$500 cash rewards

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 17.99% – 25.99%.

Why We Like This Card

The Signify Business Cash card earns you an uncapped 2% cash rewards on all of your business expenses, without an annual fee. Plus, it offers perks like an intro APR offer, MasterRental insurance coverage, a “Pay As You Go” Priority Pass membership, and more.

Pros & Cons

Pros

• Uncapped 2% cash rewards on all purchases
• $0 annual fee
• Intro APR offer

Cons

• Does not offer bonus categories for common business expenses
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn a $500 cash rewards bonus when you spend $5,000 in purchases for your business in the first 3 months.
• Earn unlimited 2% cash rewards on purchases made for your business with no categories to track, and no limit to the amount of rewards you can earn.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 17.99% – 25.99%
• Complimentary membership access to more than 1,300 participating airport lounges worldwide with “pay as you go” lounge visit fees.
• Get MasterRental Insurance Coverage which offers primary coverage for covered physical damage and/or theft of a rental vehicle.
• Purchase your airline or other common carrier ticket with your eligible Wells Fargo card and you can be protected with Travel Accident Insurance of up to $250,000.
• Earn more rewards with employee cards at no additional cost. When your employees make purchases, your business earns more cash rewards.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases. After that your variable APR will be 17.99% – 25.99%.
• Foreign Transaction Fees: 3%

Business owners who want to earn extra cash rewards on all of their business expenses should consider the Signify Business Cash card. It offers uncapped 2% cash rewards on all purchases with no annual fee.

Additional card perks include free employee cards, rental car insurance, a 0% intro APR on purchases for 12 months, and a “Pay As You Go” Priority Pass membership, which offers discounted day passes at eligible Priority Pass lounges.

Choice Privileges Select Card (Best for Choice Loyalists)

Choice Privileges^® Select Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Choice Privileges Select card is perfect for Choice loyalists thanks to its 10x rewards on Choice stays and automatic Platinum Elite status.

Choice Privileges^® Select Mastercard^®

The Choice Privileges Select card is perfect for Choice loyalists thanks to its 10x rewards on Choice stays and automatic Platinum Elite status.

Welcome Offer

Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 7 reward nights at select Choice Hotels^® properties. Additional fees may apply.

60,000 points

UP's Bonus Valuation*:

$360

Annual Fee

$95

APR

20.49%, 24.74%, or 29.74%, based on your creditworthiness

Pros & Cons

Pros

• 10x points on Choice stays
• 5x points at gas stations, grocery stores, home improvement stores, and phone plan services
• 1x point on all other purchases

Cons

• Points are not transferrable
• $95

Read Full Review

Card Highlights

• Earn 60,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 7 reward nights at select Choice Hotels^® properties. Additional fees may apply.
• Earn 10X points on stays at participating Choice Hotels^® properties.
• Earn 5X points on purchases at gas stations, grocery stores, home improvement stores and phone plan services. Plus earn 1X points on other purchases.
• $95 annual fee.
• Up to $800 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Receive 20 Elite night credits qualifying for at least Platinum level status each calendar year.
• No foreign transaction fee.

Financial Snapshot

• APR: 20.49%, 24.74%, or 29.74%, based on your creditworthiness
• Foreign Transaction Fees: None

If you regularly stay at Choice hotels during your travels, then the Choice Privileges Select card is a must-add to your wallet.

For starters, it helps you earn more rewards by offering 10x points on Choice stays and Choice point purchases, along with 5x points at gas stations, grocery stores, home improvement stores, and phone plan services.

Further, cardholders receive automatic Choice Privileges Platinum elite status, which gets you 25% bonus points on stays, a welcome gift at participating hotels in the U.S. and Canada, early check-in and late checkout (when available) at participating hotels, and Avis Preferred Plus status.

The benefits don’t end there, though. You’ll also receive a Global Entry or TSA PreCheck credit, cell phone protection, no foreign transaction fees, and 30,000 bonus points on every account anniversary.

Everything Else You Need To Know

What Credit Score Do You Need To Get a Wells Fargo Credit Card?

If you have a credit score of 670 or higher, you should have a high likelihood of being approved for any Wells Fargo credit card. Still, approval isn’t guaranteed no matter what your credit score is, and it depends on additional factors such as your income, years of credit history, and history with Wells Fargo.

What Credit Limit Can I Get With a Wells Fargo Credit Card?

The credit limit you will receive on a new card depends on various factors such as your income, credit score, the amount of credit Wells Fargo has already extended to you, and more.

How Many Wells Fargo Credit Cards Can You Have?

Wells Fargo does not place a limit on the total number of credit cards you can have with the bank. That said, you might be limited to opening additional new cards if Wells Fargo feels the amount of credit extended to you is sufficient.

Can You Combine Points on Wells Fargo Credit Cards?

Yes, you can combine Wells Fargo points on some cards. If you have both Wells Fargo Rewards cards, the Wells Fargo Autograph card and the Wells Fargo Autograph Journey card, you can combine the points earned on both cards.

How To Apply for a Wells Fargo Credit Card

You can apply for a Wells Fargo credit card just as you would any other credit card by going to the Wells Fargo website, selecting the card you want to apply for, and filling out the application details. Once you submit your application, you might receive an approval decision right away, or it may take 7 to 10 business days if Wells Fargo needs additional time to review your application.

Prequalifying for Wells Fargo Credit Cards

Wells Fargo offers a tool to check for prequalified card offers with no impact on your credit score, and the whole process hardly takes any time. Simply click the Check for Offers button on the Wells Fargo website, then enter personal details like your name, address, and the last 4 digits of your Social Security number.

Once you hit submit, Wells Fargo will provide you with a list of any credit card offers you’re prequalified for. Receiving a prequalified offer does not guarantee that you will be approved for the card, but it does mean that your approval odds are high.

Methodology: How We Selected Our List of the Best Wells Fargo Credit Cards

We analyze several factors when determining our list of the best Wells Fargo credit cards. These factors include card perks, bonus categories, best credit card welcome bonus offers, fees, and redemption value.

Card Benefits

The benefits a card offers are an important consideration in determining the overall value it provides. We prioritize cards that offer travel credits, luxury perks, and/or card protections such as cell phone insurance, trip delay insurance, and rental car insurance.

Bonus Categories

Regardless of what card you have, you want to earn as many points or as much cash-back as possible. Given that, we assign a higher rank to cards that offer bonus categories that match the items you’re likely to spend the most on, such as gas, dining, or cards that offer an increased return on all purchases.

Welcome Bonus Offers

Credit card welcome bonus offers can be quite lucrative, as they offer an opportunity to earn a large amount of rewards quickly, so we also consider this when evaluating cards.

Fees

While not as glamorous as other card perks, it pays to understand a card’s fees, such as foreign transaction fees and annual fees. If a card charges an annual fee then the benefits offered with the card should outweigh that fee.

Redemption Value

Lastly, we prioritize cards that offer flexible redemption options, such as travel transfer partners, cash-back, and travel portal redemptions, so that you can always redeem your points in a way that works best for you.

Final Thoughts

Wells Fargo offers card options for various uses. Whether you’re focused on travel rewards or cash rewards, a business owner looking to earn rewards on expenses, or a renter looking to earn rewards on monthly rent payments, there is a good Wells Fargo card option for you.